Stage 03 of 08
Mortgages and finance
What British buyers can borrow in Spain, what you need up front and how to plan the transfer.
Applying for a Spanish mortgage: how it works
What non-residents can borrow, which documents Spanish banks ask for and how long approval takes.
Spanish mortgage conditions explained
Loan-to-value, term, age limits, interest options and how the bank assesses your application.
How much cash do you need to buy in Spain?
The deposit, the purchase costs and the budget beyond that, worked through with a real example.
Spanish mortgage rates: where they stand in 2026
How Spanish rates are built from Euribor plus a margin, current ranges and what moves the rate you are offered.
Other ways to finance a Spanish property
Releasing equity in the UK, using your own capital, family lending and buying through a company.
Buying through a company: costs and benefits
When a Spanish SL or a UK limited company makes sense, what it costs to run and when it does not.
Next: Spanish taxes
Purchase taxes, annual taxes and what changed for UK owners after Brexit.